Commercial Credit Analyst at Lulalend

OVERALL PURPOSE

This is a fantastic opportunity for a Graduate looking to work in a growing fintech business. The Commercial Credit Analyst position looks after our credit granting process, and relies on a combination of analytical and numerical knowhow, as well as the ability to liaise and deal with customers regularly.

Responsibilities include but are not limited to

• Engaging with clients to verify their financial/credit transactions, business performance and request additional information where need be
• Evaluating clients’ credit data and financial data in order to determine the degree of risk involved in lending money to them
• Preparing notes about the degree of risk in lending money to clients
• Analysing client records and using the data to recommend outcomes
• Evaluating the financial status of clients by interpreting financial ratios produced by proprietary programs
• Helping supply chain and Sales and Marketing departments in managing financial orders to help them control credit exposure
• Understanding the lending platform in its entirety with special focus on the origination module
• Working closely with the Credit Team Leader on issue escalation, ensure customer problems are tracked, resolved and followed-up on
• Using ideas and solutions to meet customer needs ensuring that their expressed and underlying needs are satisfied
• Understanding and keeping up to date on the latest technology developments and technical issues affecting your accounts
• Any other ad-hoc projects required to assist the team

THE COMPETENCIES WE’RE AFTER

• Excellent problem-solving skills
• Highly organised with strong attention to detail
• Excellent influencing skills
• Resilience
• Fun-loving, team-player - you enjoy helping your team members out, and will step up to assist even when your work is done
• Start-up mentality - you understand we are all in this together

THE SKILLS AND EXPERIENCE WE’RE LOOKING FOR

• Completed finance/accounting degree or equivalent
• Ideally you will have some commercial/SME credit experience
• Strong numeracy abilities
• Passionate about delivering customer experience above and beyond customer expectations